Billing InformationThe academic year is divided into two billing periods ‑ fall semester and spring semester. Services such as tuition, required fees, course fees, housing, and food plans will be electronically billed for fall semester on or near July 15, with an August 10th due date. The spring semester will be billed on or near December 15th with a January 10th due date. For assistance in calculating the amount to pay, please refer to the information from the Financial Aid Office concerning Estimated Financial Aid and Scholarships below.

Required FeesThese fees are applied to every student. This includes those students studying abroad and those who are student teaching, interning or living off campus. The required fees are: Health Center Fee, Student Life Fee, and the Technology Fee. For further information on the required fees, please refer to the following website- Required Fees.

Other ChargesCharges that result from a student choice, such as course fees and parking permits normally appear on the first statement of each billing period.

Billing StatementsMonthly statements are only available electronically. Students can set up parents/guardians as authorized users. Authorized users will receive an email with their own user name and another email with their password. The authorized users will have the ability to view/print the statement, see current activity, and make payments on the account. The student can access their monthly statement and set up authorized users via Banner Web Self Service at: https://ssb.csbsju.edu/proddad/twbkwbis.P_GenMenu?name=homepage

Deferred Payment PlanMonthly payments are to be made as outlined on the Payment Agreement and Disclosure Statement. Payments are due on August 10th, September 10th, October 10th , and November 7th for fall semester and January 10th, February 10th, March 10th, and April 7th for spring semester. This plan incurs a finance charge. See the finance charge information below.

Finance ChargeA finance charge equal to one percent (1%) per month of the adjusted balance (previous balance minus any credits and payments) will be assessed to the account. This is an ANNUAL PERCENTAGE RATE of 12 percent. As of the 10th day of each month (or the first business day thereafter), the College will calculate the new balance due by taking the previous balance, and subtracting payments and other credits. Unapplied financial aid (memo items) are not subtracted from the amount due when calculating the monthly finance charge. Financial aid will only be subtracted as the funds are received by the College, or in the case of student employment, as it is earned. Unapplied financial aid (memo items) can include: scholarships, loans, grants, and student employment.

General PoliciesStudents and parents should be aware that the College expects each semester's balance to be paid on a timely basis. If a student loan is being used to pay all or part of a semester's balance, the application for such loans should be completed well in advance of any payment deadline. Under no circumstances will a student be allowed to proceed into a new semester while still owing money on her account from a previous semester. The Student Accounts Office may hold or cancel registration for failure to pay.

Health InsuranceThe College requires all students to have health insurance. If you have insurance, you are required to provide the Insurance Company name and policy number through the forms portal before the first day of class-Forms Portal. If you do not have insurance, a company has been identified to provide coverage that meets the basic requirement. More details on this insurance is available at the following link: Insurance for StudentsThe student price for the 2014-2015 year is $981.

Memo ItemsAny items listed in this section on your billing statement have not been subtracted from your total amount due on your account statement. They are not subtracted from the current balance on your electronic payment screen. Please refer to the sections below on loans and scholarships if any memo items appear on your statement.

Authorized Financial AidIf loans or other types of aid appear under this section, you have completed all necessary steps. The item will apply to the account when the disbursement date arrives. Some Federal loans and grants including Direct and Perkins Loans, Pell Grants, TEACH and SEOG Grants, will disbure to a student's account near the start of Fall semester, per federal regulations. You will not incur a finance charges on amounts covered by Authorized Aid. Authorized Aid has already been subtracted from your total amount due on your account statements but it is not subtracted from the current balance on your electronic payment screen.

ScholarshipsIf any scholarships appear under the MEMO ITEMS portion of the billing statement, it means the Financial Aid Office has not received your thank you letter for this scholarship. Please refer to Banner web self service At this site click the appropriate link to log in, then choose - Financial Aid - FinancialAid/Student Employment requirements to complete any thank you letters or other required information.

Outside ScholarshipsIf you have additional scholarships from outside sources such as your community, service clubs, etc., they will not appear under the MEMO ITEMS portion of the billing statement. The full amount of an outside scholarship check will be applied to your account for the semester during which it is received. You may subtract any scholarship(s) which you are expecting to arrive within the semester. Scholarships that have not arrived by the due date are subject to a finance charge. If you have any questions about specific MEMO ITEMS or other financial aid that does not appear on your billing statement, please contact the Financial Aid Office.

Student EmploymentIf you are working on-campus during the school year, you may choose to have all or a portion of your earnings credited to your student account to help cover the balance due. If you would like to choose this option, please complete a "Billing Account Payroll Deduction Form". The form is available online at www.csbsju.edu/se in the employment forms section. You may subtract the earnings you plan to apply to your account for fall semester from the balance due. Students are paid monthly for hours worked the previous month. There is a finance charge assessed on any balance due after August 10th, for Fall semester and January 10th for Spring semester including any balance due that will be covered by future student employment earnings.

Applying for Financial Aid and LoansIf you have not yet applied for financial aid, you may still do so. Instructions to apply for financial aid are listed on the financial aid website http://www.csbsju.edu/FinancialAid/ApplyingForAid.htm After completing the process, the Financial Aid Office will notify you of your eligibility for grants and loans.